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Bank of Hillsboro

Hillsboro, MO · Cert 15821

FDIC · 1 branch

Q2 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Hillsboro

Hillsboro, MO · Cert 15821

FDIC · 1 branch

Q2 2018

$68.2MAssets
$52.0MLoans
$59.0MDeposits
$8.8MEquity
Loan mix
90%RE $40.3M9%C&I $4.0M1%Consumer $0.5MQ2 2017Q2 2018
Deposit mix
66%Interest-bearing $38.8M34%Noninterest $20.2MQ2 2017Q2 2018

NIM

3.82%Q2 ’163.70%Q2 ’174.02%Q2 ’18-3%+8%

Non-interest income vs. expense

2.82%Q2 ’162.35%Q2 ’172.62%Q2 ’18-8%+14%

Market Position · St. Louis, MO-IL · 2018 SOD (annual) · 0.1% share · #85 of 125 inst. · $0.1B of $86.9B

Executive Summary

  • Earnings: ROA of 1.03%, up 3 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.30%, up 71 bps from a year ago.
  • Funding: loans stand at 88.16% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.03%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+27 bps YoY

Efficiency Ratio (YTD, annualized)

67.05%+302 bps YoY

Tier 1 Leverage Ratio

12.30%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.00%0.94%0.93%1.18%1.03%+3 bps
Return on Equity8.45%7.91%7.75%9.78%8.36%-9 bps
Net Interest Margin3.42%3.47%3.49%3.66%3.69%+27 bps
Efficiency Ratio64.03%65.98%66.36%63.68%67.05%+302 bps
Non-Interest Burden2.10%2.21%2.23%2.25%2.40%+30 bps
Growth
Asset Growth (YoY)6.35%5.53%7.31%4.61%-1.33%-768 bps
Loan Growth (YoY)-0.56%-1.57%8.27%14.24%12.91%+1,347 bps
Deposit Growth (YoY)7.24%5.62%7.45%4.43%-2.16%-940 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.48%1.49%1.30%1.25%1.28%-20 bps
Allowance Coverage of NPLsn/a115.5xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.59%11.87%11.95%11.96%12.30%+71 bps
Total Risk-Based Capital16.94%20.31%17.01%20.37%20.23%+329 bps
Equity / Assets11.99%12.05%12.05%12.06%12.91%+92 bps
Liquidity & Funding
Loans / Deposits76.39%76.16%82.90%85.08%88.16%+1,177 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a